Phyllis Shelton

Phyllis Shelton is the President of LTC Consultants, a Nashville-based company that she founded in 1991 specializing in long-term care insurance sales training, consumer education and marketing materials. She is widely considered to be the leading long-term care insurance sales trainer in the country. Now her heart goes out to anyone who doesn't have a local insurance professional to help them consider long-term care insurance, and she is willing to be a resource for those people, or their financial advisors.

Most commented posts

  1. What happens if a LTC insurer goes out of business? How common does this happen? — 45 comments
  2. Your Customized Benefit Selection Process — 44 comments
  3. Welcome SUZE ORMAN and TERRY SAVAGE Readers and Everyone Else! — 37 comments
  4. How much does long-term care insurance cost? (rate calculator for sample plan) — 36 comments
  5. The Secret Medicare Plan that No One Tells You About — 35 comments

Author's posts

May 22

Assisted Living

Long term care insurance has allowed her 84-year-old mother to have peace-of-mind after moving into an assisted living facility.

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May 21

Barbara’s Decision

After buying a long term care policy 10 years ago, Barbara doesn’t have to worry about burdening her children with the cost of her care.

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May 15

Ask Your Employer to Offer Long-Term Care Insurance

Ask your employer to offer long-term care insurance that is qualified for the Long-Term Care Partnership to employees 18+ to help your family AND your state budget.

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Mar 19

How Old are People When They Need Long-Term Care?

Last week we established that most long-term care doesn’t happen in a nursing home. Most of it is provided by a primary caregiver in the home. That caregiver is usually a woman, and she could be a daughter or daughter-in-law or a spouse. She could even be a mom, like my cousin who took six …

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Mar 13

Your Customized Benefit Selection Process

The following is an abbreviated section from my book The ABC’s of Long-Term Care Insurance – keepin’ it REALLY simple for you, folks! To simplify the benefit selection process, there are six major choices that impact a premium. Here is each choice and a recommendation. 1a) Daily or Monthly Benefit – Look at the average …

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Mar 13

The Federal Long-Term Care Insurance Plan with 2011 Open Season Update

The largest employer-sponsored long-term care insurance program with eligibility estimated at 20 million people, was launched in March of 2002 with limited benefits, and expanded during Open Season (July 1 – December 31, 2002) with full benefits and abbreviated underwriting for active employees and spouses. The Office of Personnel Management (OPM) selected John Hancock and …

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Mar 12

What is Long-Term Care?

There are many names for this event that can dramatically affect your relationships with others – your parents, children, siblings, and yes, it can and does affect marriages and committed relationships in many ways. Together we will explore the financial side of course, but not stop there. The most common name for this is long-term …

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Mar 11

The New Directions of LTCI

The New Directions of LTCI (written for Agent Sales Journal, January 2010 issue) Research from McKinsey & Co. finds that the average American family will face a savings gap of $250,000 at the time of retirement. Even with payments from Social Security and pensions, as well as personal savings in 401(k) and other retirement plans, …

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Mar 11

Trends in LTCI or Trains?

Trends in LTCI or Trains? (written for Life Insurance Selling, November 2010 issue) The long-term care insurance industry is hanging between the Medicaid expansion on one side making people think the state will pay, the CLASS Act on the other side making people think the federal government will pay, and rate increases hanging over us …

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Mar 11

You Can’t Put a Price on Dignity

You Can’t Put a Price on Dignity (written for California Broker, November 2010) The nation is being engulfed by a tidal wave of entitlement mentality. The feasibility of funding long-term care with taxpayer dollars through the Medicaid program is bleak with 150 million employees vs. 58 million people on Medicaid today.2, 3 That’s a ratio …

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